Our job is not to sell insurance; it’s to help our clients make an educated decision about their health insurance options.
Free Medicare guides, videos, comparison tools and step-by-step resources to help you make confident decisions.
Medicare has a lot of moving parts, but you do not have to figure everything out at once. Start with the resource that best matches your situation, learn at your own pace and contact Capstone Health whenever you are ready for personal guidance.
Our educational tools can help you understand enrollment timing, compare Medicare Advantage and Medigap, review your current coverage and avoid common Medicare mistakes.
Learn the enrollment timeline, understand Parts A, B, C and D, and prepare for your first Medicare decision.
Start with New to Medicare →Review your doctors, medications, benefits and coverage before the next plan year.
Learn About Annual Reviews →Compare Medicare Advantage and Medigap, then use our quizzes and calculators to narrow your choices.
Compare Medicare Options →Missing your Medicare enrollment window can lead to permanent late enrollment penalties or delays in coverage. Our free Medicare Enrollment Tool asks a few simple questions about your situation, then helps determine your enrollment timeline while recommending the Medicare guides most relevant to you.
Answer a few questions to understand when to enroll, what timing rules may apply, and which guide best fits your situation.
There is no single Medicare office you walk into. Most people enroll through Social Security, and the right timing depends on whether you are already collecting Social Security, turning 65, or coming off employer coverage.
Medicare timing can be confusing, especially if you are still working, leaving employer coverage, or not collecting Social Security yet. A local review can help you avoid costly mistakes.
This tool is for educational purposes only and does not constitute insurance advice. Eligibility, enrollment windows, coverage dates, and penalties vary based on individual circumstances. Contact Capstone Health for personalized guidance. Capstone Insurance Consultants, LLC dba Capstone Health is an independent insurance agency licensed in Florida. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Watch these short Medicare videos to understand the basics, avoid common enrollment mistakes, and know which questions to ask before choosing or changing coverage.
New to Medicare? Start here. This video explains Parts A, B, C and D in plain English, along with the enrollment periods that affect when you can sign up or make changes. For a more detailed overview, visit our Medicare 101 guide .
Even people who have had Medicare for years can make costly mistakes. This video explains five common problems and how to spot them before they affect your coverage. Already enrolled? Our Annual Medicare Plan Review can help you review changes in doctors, medications, costs and benefits.
Medicare enrollment can look different depending on whether you are approaching 65, receiving Social Security benefits or leaving employer coverage. These free step-by-step guides can help you understand what to do next. If you are still unsure when you should enroll, use our Medicare Enrollment Tool or start with Medicare 101 for a broader overview.
A step-by-step guide for people approaching age 65 who are not already receiving Social Security benefits and may need to enroll in Medicare themselves.
A step-by-step guide for people who delayed Medicare while covered by an employer plan and are preparing to enroll as that coverage ends.
Select the Medicare Enrollment Guide you'd like to receive, complete the short form below, and we'll email it to you immediately.
Choose the quiz, calculator, or comparison guide that best matches your question. Each resource is designed to help you compare your options before making a Medicare decision.
Not sure whether a Medicare Supplement or Medicare Advantage plan better fits your lifestyle? Answer a few questions and compare your options.
Already leaning toward Medicare Advantage? Compare HMO and PPO plans and see which one better matches your healthcare preferences.
Estimate long-term costs and compare two popular Medigap plans against a Medicare Advantage PPO to better understand the trade-offs over time.
See whether income-related adjustments may increase your Medicare Part B and Part D costs and estimate the potential monthly impact.
Watch short educational videos covering Medicare basics, enrollment periods, plan comparisons, and common mistakes — all at your own pace.
You’ve done the research. Now let’s apply it to your situation. Your doctors, prescriptions, travel habits, retirement plans, and budget all matter.
Continue browsing Medicare guides, comparison tools, videos, and local resources before making a decision.
Learn more about Will Smith, Capstone Health, and why working with a local independent agent is different than calling a national call center.
Schedule a Medicare review and we’ll compare your doctors, prescriptions, hospitals, and budget before recommending anything.
Medicare can be difficult to understand, especially when language becomes another barrier. Capstone Health has a Spanish-speaking Medicare agent available to explain enrollment, coverage options and important next steps in Spanish.
Whether you are approaching age 65, leaving employer coverage or reviewing an existing Medicare plan, you can ask questions and receive personalized guidance in the language that is most comfortable for you.
Use these answers as a starting point, then explore the guides, videos and tools above for more detail.
Choosing Medicare coverage is only part of the decision. The agent you work with, the support you receive, and the availability of year-round help can matter just as much.
Capstone Health is a family-owned, independent Medicare agency with a local office in New Port Richey. We serve communities throughout Tampa Bay and remain available when questions come up.
Contact Capstone HealthIndependent agents, captive agents and call-center representatives do not all work the same way. Learning the difference can help you understand who represents your interests and which options they can discuss.
Compare Types of Medicare AgentsDoctors, prescriptions, plan costs and personal health needs can change. Our agents remain available after enrollment and help clients review their Medicare coverage each year.
Meet Our Medicare AgentsWhether you're preparing for Medicare, reviewing your current coverage, or looking for personalized guidance, choose the next step that's right for you.
Learn when to enroll, understand your Medicare options, and avoid common enrollment mistakes with our step-by-step resources.
Learn About MedicarePlans, prescriptions, doctors, and health needs change. Having the right independent Medicare agent helps ensure your coverage continues to fit your needs year after year.
Value of Annual ReviewsSpeak with one of our independent Medicare agents by phone, virtually, or in person. Get honest answers and personalized guidance tailored to your needs.
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